Preface; W. Lyakurwa Keynote: Progress with Bank Regulation Reforms in Kenya; N. Ndungu Bank Regulation in Africa: From Basel I to Basel II, and now at a Crossroads; V. Murinde A Comparative Overview of Bank Regulatory Experiences and Impact on Bank Competition and Intermediation Efficiency; K. Mlambo, L. Kasekende & V. Murinde Regulatory Reforms and their Impact on the Competitiveness and Efficiency of the Banking Sector: A Case Study of Kenya; F.Mwega Bank Competition, Risk Taking and Productive Efficiency: A Case Study of Banking Reforms in Nigeria; T. Zhao Financial Sector Reforms, Bank Competitiveness, Efficiency and Economic Growth: A Case Study of Zambia; A. Mwenda Regulatory Lessons from Evidence on Competitiveness and Efficiency of the Banking Sector and Economic Growth in Egypt; S. Poshakwale & B. Qian The Competitiveness of Financial Services after Bank Restructuring: Lessons from Algeria; H. Salah